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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Employer contribution per participant is in the bottom quintile of the peer cohort.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $215,222 | $162,821+32.2% | $133,978+60.6% | $158,982+35.4% |
| Participation rate | 58.8% | 83.2%-24.4pp | 79.8%-21.0pp | 82.0%-23.1pp |
| Annual return | 15.59% | 41.95%-26.4pp | 45.10%-29.5pp | 302.99%-287.4pp |
| Employer contribution / active EE | $698 | $4,976-86.0% | $3,919-82.2% | $4,763-85.3% |
| Participant deferral / active EE | $1,847 | $5,910-68.8% | $5,047-63.4% | $5,983-69.1% |
| Admin fee / account holder | $35,578 | $11,742+203.0% | $8,930+298.4% | $11,252+216.2% |